Finding Independent Senior Living in Indiana

Independent living communities in Indiana are great places for seniors who are still self-reliant but enjoy the added benefit of receiving care as needed, along with prepaid amenities. This care type allows individuals to maintain their unique lifestyles in communities of their peers devoted to social enrichment, support, and overall well-being. Although each location varies, seniors are sure to find a range of amenities and opportunities for recreation. With flexible housing options like studio apartments, townhouses, and stand-alone cottages, it's easy to see why so many seniors are choosing independent living in Indiana.


Find Senior Caring Options by County

Cost Comparison of Indiana Independent Living Communities

City Monthly Minimum Monthly Maximum Monthly Median
Bloomington $1,624 $2,400 $2,012
Columbus $1,374 $2,650 $2,012
Fort Wayne $899 $1,740 $1,376
Indianapolis $1,515 $3,345 $2,341
La Porte $1,820 $2,100 $1,960

Indiana has 108 independent living communities with the average cost of $2,135 per month.

Comparing costs is a great place to start when looking for an independent senior living option. One of the key benefits to this care type is the range of amenities found in different communities. Indiana independent living includes housekeeping services, transportation, fitness centers, and meal plans with your monthly payments. More amenities depending on your unique community may come at an additional cost, but that can be a good thing depending on your lifestyle! Here are a few costs found throughout Indiana. 

Recreation & Attractions in Indiana

Indiana has a variety of different attractions that can keep residents rather busy such as the Marengo Cave, Cliffy Falls State Park, Indianapolis Motor Speedway, Hall of Heroes Museum, Indiana Repertory Theatre, and much more. The Marengo Cave has many different rock formations and crystals that are incredible and worth seeing. The Cliffy Falls State Park has four waterfalls that are over 60 feet long, a huge canyon, creeks, and trails to walk along. The Indianapolis Motor Speedway is a racing facility and is the original speedway of the Indianapolis 500. The Hall of Heroes Museum is a museum of all the superheroes in comics, toys, and animation. The only one of its kind to display all the heroes in the last 75 years. Clearly, there is a wide range of attractions to be explored here in Indiana. 

Indiana's Climate, Geography & Culture

The weather in Indiana is humid with cold winters and warm, wet summers. The average temperature is 52 degrees, with an average temperature of 62 degrees, and a low temperature of 41 degrees. The spring brings many thunderstorms and tornadoes, and floods due to the transition of cold to warmer temperatures, while fall brings a low humidity rate and is the driest, sunniest season in Indiana. Annually, Indiana will receive 40.62 inches of rainfall and 15 inches of snowfall. Winter temperatures are in the 30-40s and the summer temperatures are in the 80s. The spring and fall temperatures are between the 50-70s.

Indiana is one of eight states that make up the Great Lakes Region. Major river systems in Indiana include the Ohio River and the Wabash River while Lake Michigan borders the state to the northwest. Also, Indiana is vulnerable to tornadoes, and ranks in the top 20 tornado-prone states in the U.S.

As a state of hardworking Amish and farming communities, Indiana is known for that classic Midwestern hospitality and its conservative values. There's a huge interest in sports, particularly motor racing and basketball. The state has a long history of Native American culture as well, featuring sites like Angel Mound which dates back to over 1,000 years ago. 

Crime & Safety in Indiana

Sperling’s Best Places ranked Indiana 42 on a scale of 100 (1 being the lowest crime) for violent crime and 45 for property crime. The United States overall ranked 41 for violent crime and 44 for property crime. Indianapolis’ crime rate is higher than the other cities in Indiana, according to Neighborhood Scout Indianapolis. Indianapolis’ total crime rate is 62% with property crime having a 50% rate and violent crime being 12% rate.

Though the crime rate in Indianapolis is high, there are plenty of crime prevention associations that are trying to work against the crime such as the police enforcements, crime stoppers, and neighborhood watches. The Neighborhood Watch is very active in the community, even have the name Neighborhood Power. Neighborhood Power holds conferences, events, and other meetings to combat crime and help keep their communities safe. The Crime Stoppers share images of criminals in order to try to find them and send them to jail, even utilizing mobile applications in order to fight crime. 

LocationViolent Crimes Per 1,000 ResidentsProperty Crimes Per 1,000 Residents
St. John0.326.36
New Whiteland0.356.56

Payment Options for Indiana Independent Living

To start, Veterans’ Benefits can be used by a single person to receive $1,644 a month, with couples eligible for around $1,949. Surviving spouses of veterans may also be eligible for $1,056 a month. Seniors can also pay for this care option with their pension, savings, or other assets available to them. 

If these things are unavailable to you then it might be necessary to consider how much money can come from a Supplemental Security Income (SSI). If you are blind, have a disability or children, and don’t already receive a sustainable income you may be eligible for to collect SSI. In order to be eligible, you must be older than 65 years of age and be a citizen of the United States of America. The average payout from SSI is around $733

Another option is a senior living line of credit, allowing people to use up to $50,000 of unsecured credit to pay for their care as needed. Funds are sent directly to your community and repayment terms are flexible. Senior living lines of credit allow you to only use what you need with little to no collateral required. 

Senior & Elderly Rights for Independent Living in Indiana

When you enter an independent living community your constitutional rights come with you. Residents are encouraged to remain autonomous decision makers in all matters regarding their medical care and finances. Generally speaking, seniors in independent living communities reserve the right to their personal privacy, to file official complaints, and most importantly receive the care they need in a safe, supportive environment. If any of your rights have been violated, contact an elder law professional immediately and review the Indiana Ombudsman for more details. 

IN Independent Living Medical Record Rules & Regulations

According to state and federal HIPAA laws, your medical records and reports are to be maintained for at least 7 years after you've been discharged from a community or medical facility. These records must describe the specifics of the services provided and are confidential. That said, you are able to authorize the disclosure of your medical information to third-parties when appropriate, and can receive copies upon request. 

Finding the perfect senior care community is only part of making your loved one’s senior living transition smooth. At SeniorCaring, we know that it is also equally important to be aware of what other community services and resources are available to your family’s senior. Choose your location and find local resources for your senior.